Chase Sapphire Preferred® Card

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® Card offer in Chase offers. These terms are updated on a daily basis by the database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Card Apply Now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
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Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99%* Variable Introductory Annual Fee of $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee Introductory Annual Fee of $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Oct 17, 2012

I applied back in March and was denied due to not having another CC with a similar credit limit of the $5000 minimum on the Sapphire Preferred. Back then my FICOs were EQ704 and TU709. After 6 months of working on my credit and getting new cards with larger limits, and getting increases on current cards, I applied last week and was approved!! I was approved with FICOs of EX715, EQ729. My AAoA is 3+ years, utilization of 1%, and my other CLs were $4250, $4000 and 2 $1250. They instantly approved me for $5000! Called the regular customer service number and had them overnight it to me for Friday because I wanted to book a trip. It didn't end up arriving. Ended up calling the Sapphire specific line and had them overnight it to me for Monday. I did receive it Monday but not at my business address as I had requested. O well, atleast it wasn't stolen out of my mail box(I live on a busy street)

So far I love it. It's a beautiful card, and has some heft to it. I've already received many compliments on it. The 40,000 bonus points(after spending $3k) surely doesn't hurt as I have already almost reached $2k spending on it.

Booking flights through Ultimate Rewards mall isn't cheaper in my experience. It does give you 3 points/dollar. But you can book through another travel website via a link on the site, and it will give you 4points/dollar, and its cheaper.

This card gives you 2 points/dollar when spent on travel(including taxis and tolls), 7% dividend on points earned in the year, no forex fees. Also if you have the Chase Trifecta(a chase checking account and the Freedom cards) the rewards really start adding up!

Review by SwiftTone

User Reviews

Average Rating: 9.2 out of 10 based on 296 user ratings.
Commented at Dec 15, 2014

I applied for the regular sapphire last month and was approved for $5k, then got a increase to $8k. Thought about upgrading to the Preferred but chase said wasn't possible since my account was so new, have to wait a calender year first but had option to apply for preferred as a new account then consolidate the new credit lines. Just applied and was approved again for the preferred with $5k line, called Chase to consolidate which brings my CL to $13k. New Card being expedited now. Thanks Chase. Current scores, TU 747, EX 672 EQ 670. Chase pulled Transunion and Experian.

Review by expatnmidwest
Commented at Dec 11, 2014

Chase card is not mine, and I am not responsible for it.

Review by earleella12
Commented at Dec 4, 2014

Pros: 2 points per dollar spent on travel is great! I really like the flexibility of transfering the points to partner airlines and make 2 points worth of  at least 3.5 cents in general. If you don't want to deal with the mileage program. It is also easy to book a hotel/flight through ultimate rewards system with a 20% off. Last but not least, the card provide primary rental car issurance as a  great perk so your own issurance would become secondary if something bad happend. 

Cons: high annual fee. You need enough traveling to justify the cost of paying the card.

Review by Anonymous
Commented at Dec 3, 2014

The inital application was denied, called and talked to customer service after I received the dreaded letter... The customer service rep was more than happy to take a second look at the application. After answering a few questions regarding my credit report, they let me know that I was approved for 5K! Ive been using the card for 3 months now and have since "retired" all of my other cards, still use them sparingly, but the rewards on this card add up rapidly. The heavy weight, feel and distinctive look of the card are a nice change from the rest of the plastic in your wallet. I have zero complaints about the customer service or any issues with the card. Its also a Visa Signature card which entitles you to special offers and 24/7 concierge service (booking hotels, ordering tickets or making reservations).

exp - 663 trans - 640 equ - 652

Review by Anonymous
Commented at Nov 27, 2014

Had the freedom for about a year and a half called up customer service and immediately was able to convert to CSP. Got the card out to me asap no questions asked. Also inquired about a 5k increase for my southwest card then switched the cli to sapphire. Only thing is I wasn't eligible for the 40k bonus points because it wasn't a new account which would've been nice but you can't have everything. I currently have 4 chase cards and the customer service has been remarkable. Can't complain at all.

Review by Anonymous

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.